It doesn't. Neither Homeowners insurance nor Renters insurance provides coverage for damages incidental to or resulting from from our election of pet ownership.
A public liability is a form of insurance purchased by businesses. This insurance protects a company from lawsuit in the event a consumer is harmed as a result of their actions.
Public liability insurance covers damage or injury to third parties, whether they be visitors, tradesmen of even trespassers, that occur on your property or through your actions or lack of action.
Technically, there is no difference between the two, besides the fact that many of the public and product liability risks are often covered together under a general liability policy. These risks may include bodily injury or property damage caused by direct or indirect actions of the insured. You can read more about public liability insurance on the Bizcover website in related links
Direct liability is holding the actor responsible for his or her own actions. Respondeat superior liability is holding an employer responsible for an employee's actions.
Liability insuranceIn the Unites States, a landowner can sometimes be held liable for certain occurrences on the owned land. A Landowner is typically NOT held liable for the actions of tenants. This is what Renters Insurance is for. A Tenant can purchase property and liability insurance on a tenants policy. A property owner also is Typically NOT liable for the actions of criminals or others that may have entered your property illegally.So while its a good idea to maintain some type of Liability Insurance for Vacant Land to cover some occurrences where the owner might be liable. One should not presume that the property owner is liable for anything and everything that might occur on the property.
The word general is key here - it means that a wide range of actions are covered. Specifically bodily injury or property damage by actions both direct or indirect.
A Loss payee on a Professional liability Malpractice Insurance Policy would be the injured party claiming loss or damages as a result of the actions or in-actions of the Named Insured Professional
Personal Liability insurance is purchased by individuals and is normally included as part of a residential insurance policy, such as a Homeowners, Condo or Tenants package. It provides the insured with protection against lawsuits from third parties arising from the ownership and/or occupancy of the residence, including the personal actions of insured persons (eg. a visitor to the residence slips and falls on the front walkway due to a build up of ice/snow). General Liability insurance is the common abbreviation used in the industry to refer to "Commercial General Liability" insurance. A Commercial General Liability (CGL) insurance policy is purchased by a business and provides protection against claims by third parties for Bodiliy Injury and Property damage arising from the operations of the insured. Example: ABC Construction Inc. wins a contract to construct a new office building. During construction one of ABC's employees drops a hammer which hits a passing pedestrian on the head. The pedestrian sues ABC Construction for his/her injuries. ABC's general liability insurer will defend ABC in the lawsuit and pay any judgment which may be rendered against ABC (up to the policy limit). Hope this helps.
In fact, in some U.S. states, car insurance is not required. However, states that do require it do so to increase the general sense of liability. That is, it ensures that drivers have responsibility for their actions on the road.
occupier liability
Not usually no. But it depends on the prior actions of the director. If there is some negligence, unprofessional or illegal activity on the part of a director in relation to the liability, then there could be directors liability.
Warren Freedman has written: 'International products liability' -- subject(s): Products liability, Conflict of laws, Actions and defenses 'Foreign plaintiffs in products liability actions' -- subject(s): Products liability, Conflict of laws, Forum non conveniens 'The tort of discovery abuse' -- subject(s): Discovery abuse 'Frivolous lawsuits and frivolous defenses' -- subject(s): Frivolous suits (Civil procedure) 'The law and occupational injury, disease, and death' -- subject(s): Law and legislation, Industrial safety, Industrial hygiene 'Malpractice liability in the helping and healing professions' -- subject(s): Insurance, Malpractice, Malpractice, Malpractice Insurance 'Products liability for corporate counsels, controllers, and product safety executives' -- subject(s): Product safety, Law and legislation, Actions and defenses, Products liability 'The constitutional right to a speedy and fair criminal trial' -- subject(s): Fair trial, Speedy trial, Due process of law 'The right of privacy in the computer age' -- subject(s): Computer security, Privacy, Right of, Right of Privacy 'Joint and several liability' -- subject(s): Joint tortfeasors 'The selective guide for the Jewish traveler' -- subject(s): Politics and government, Guidebooks, Jews, Synagogues, Directories, Travel 'Hazardous waste liability' -- subject(s): Liability for hazardous substances pollution damages, Liability for environmental damages, Law and legislation, Hazardous wastes, Actions and defenses 'Summary judgment and other preclusive devices' -- subject(s): Summary judgments 'Defenses to products liability' -- subject(s): Actions and defenses, Products liability 'Freedmans Richards on Insurance/With 3 Supplements' 'Malpractice liability in the business professions' -- subject(s): Malpractice